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What is the cheapest style of motorcycle to insure?

Insurance is mandatory for both motorcycles and cars, but motorcycle insurance is often overlooked. People don’t pay attention to motorcycle insurance, but it is very important to choose the right insurance at the best price. If you want to own a bike, insurance will largely impact the overall cost, so people usually search for the style of motorcycle that will be cheap to insure. If you’re also searching for the cheapest style of motorcycle to insure, you’re at the right place. 

What affects the cost of motorcycle insurance?

Before moving to the cheapest styles of motorcycles to insure, you should learn about what the cost of motorcycle insurance depends on. 

  • Coverage – This includes what the policy will pay for, such as injury, collision, damage, etc. 
  • Gender – The gender of the rider will also impact the policy.
  • Location – The cost of the policy also depends on the location because some states have higher rates. 
  • Driving Record – One of the biggest factors that impact how much the insurance policy will cost is your driving record. If you have had any accidents in the past, the cost of the policy will go up. 
  • Experience – If you’re a new rider, you’ll have to pay some extra bucks compared to an experienced rider. 
  • Type of Bike – The type of bike also impacts the cost of the policy. 

Cheapest Style of Motorcycle to Insure

If you ask how to get the cheapest motorcycle insurance policy, you’ll have to keep in mind all the above-given factors. But if you’re focusing on the style of the motorcycle, here is a ranking of all the different styles of motorcycles depending on their engine size so you can choose the cheapest style and insure it is hassle-free. You can also use a motorcycle insurance compare to find the cheapest policy. 

  1. 50cc – 125cc

This is the cheapest style of motorcycle to insure. The maximum engine size for this type of motorcycle is 50cc. These bikes are affordable and won’t cost that much. 

  1. 126cc – 650cc

Things are about to get serious in this category, as you’ll need a full license to own and ride a bike of this engine size. The insurance policy for such bikes will be expensive compared to the previous category, but it still won’t be that high because if you own such a bike, you can also pay for the insurance. 

  1. 651 cc – Over 1000cc

These bikes are proper heavy bikes, and they’re very powerful. Based on the engine size, these are the most expensive bikes to get insured. You also need to pass the category A license first before you can ride the bike with this engine size – of course you can read more about it on this website.

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